Enter your total assets (what you own — cash, savings, property, investments) and your total liabilities (what you owe — loans, card balances, mortgages). The calculator returns your net worth and a debt-to-asset ratio. A negative net worth simply means liabilities currently exceed assets.
Formula & methodology
- Net worth = total assets − total liabilities
- Debt-to-asset ratio = liabilities ÷ assets × 100% (defined only when assets are above zero)
Add up everything you own at its current realistic value for assets, and everything you owe at its current payoff balance for liabilities. Net worth is a snapshot on the day you run it, not a forecast. When there are no assets, the debt-to-asset ratio has no meaningful value: the calculator reports it as undefined rather than a misleading 0%, while still showing your (negative) net worth.
Worked examples
- Assets 250,000, liabilities 120,000 → net worth 130,000, ratio 48%.
- Assets 50,000, liabilities 80,000 → net worth −30,000 (underwater), ratio 160%.
- Assets 500,000, no debt → net worth 500,000, ratio 0%.
Limits
The result is only as accurate as the values you enter, and asset values (property, vehicles, investments) change over time. This tool does no valuation and fetches no market prices — you provide the figures. It is an information aid, not financial advice.